Discover why Idaho home buyers pick independent mortgage brokers who offer better rates and personalized service over retail banks or credit unions. Learn more!
Kiersten Landers
Empire Home Loans, Inc.
Phone: (208) 270-3861
Email: [email protected]
NMLS# 2491643
Company NMLS# 1839243
Discover why Idaho home buyers pick independent mortgage brokers who offer better rates and personalized service over retail banks or credit unions. Learn more!
HOME
BOOK CALL
APPLY
SERVICES
PRODUCTS
ABOUT
CONTACT
RESOURCES
BLOG
MORTGAGE CALCULATOR
More
All Posts
Kiersten Landers
Jan 16, 2025
3 min read
When it comes to securing a mortgage, the choice of lender can significantly impact your finances. At The Landers Group, we believe in empowering you with knowledge so you can make the best decision for your situation. Let’s break down why working with an independent mortgage broker, like me, is often a smarter choice than going through a retail bank or credit union.
One of the biggest advantages of working with an independent broker is access to a wide variety of lenders. Retail banks and credit unions only offer their own loan products. That’s like walking into a store that only sells one brand—you’re stuck with whatever they’re offering, whether it fits your needs or not. As an independent broker in Idaho, I have access to wholesale mortgage lenders, meaning I can shop around to find the best rates and terms for your unique situation.
Retail banks and credit unions have high overhead costs: large buildings, extensive advertising budgets, and staff salaries. These costs are often passed on to borrowers in the form of higher fees and less competitive rates.
By contrast, independent brokers operate with lower overhead, which allows us to offer lower fees. This flexibility often translates to significant savings—on average, borrowers save $10,000 per loan by working with a broker, according to the Home Mortgage Disclosure Act. Plus, I’ll take the time to explain every line item in your loan estimate so you know exactly what you’re paying for—no surprises, no hidden charges.
When you work with a retail bank or credit union, you’re often just another file in a large stack. Their loan officers have quotas to meet and limited time to dedicate to your specific needs. On the other hand, I’m focused entirely on you.
As your broker, I work for you – not the bank. My goal is to make the home-buying process as smooth and stress-free as possible. From pre-approval to closing, I’ll guide you every step of the way, tailoring your mortgage experience to fit your goals.
Independent brokers are known for quicker turnarounds. Why? Because we’re nimble and have direct communication with a network of lenders who specialize in efficiency. Retail banks and credit unions often have rigid processes that can delay closings, adding unnecessary stress to your home-buying journey. With me, you’ll get proactive updates and a streamlined process to help you close on your dream home faster.
Navigating the mortgage world can feel overwhelming, but as your broker, I’m here to be your advocate. I’ll break down complex terms, explain your options, and fight to get you the best deal. Retail lenders work for their employer; I work for you. That’s a powerful difference when it comes to making one of the biggest financial decisions of your life.
Think of it like this: Would you rather pay retail prices or get a wholesale deal? Retail banks and credit unions are like big-name department stores—you’re paying extra for their name and overhead. Independent brokers are like your inside connection to the wholesale market, where you get better pricing and more options.
At The Landers Group, I’m proud to serve home buyers across Idaho. As a brokered partner with Empire Home Loans, I’m uniquely positioned to offer you access to a wide range of lenders and loan programs that fit your needs. Whether you’re a first-time homebuyer or a seasoned property investor, I’m here to help you navigate the mortgage process and secure the best possible deal.
At The Landers Group, we’re here to help you save money, reduce stress, and achieve your homeownership goals. If you’re ready to explore your options and see how much you can save, contact me today. Together, we’ll find the perfect mortgage solution for your needs.
Kiersten Landers, MLO | The Landers Group
NMLS# 2491643
1505 E 17th St, Idaho Falls, ID 83404
208.270.3861
www.landerslending.com
Brokered By: Empire Home Loans, Inc.
Company NMLS# 1839243 \n Equal Housing Opportunity
Idaho Home Buyers Independent Mortgage Brokers
Kiersten Landers , MLO
The Landers Group
NMLS #2491643
3525 Merlin Dr. Idaho Falls, ID 83404
Brokered By:
Empire Home Loans, Inc.
Company NMLS: 1839243